4 Step Loan Process

Step 1: Define your goals.

Define your mortgage goals and learn about live mortgage rates and fees by utilizing our "Build Your Rate" tool. Build Your Quote offers a complete transparency with various loan programs and instant rates, and provides a breakdown of closing costs, suited for your mortgage needs.


  • Reduce your interest rate and payment
  • Shorten your mortgage term
  • Consolidate your debt or home improvements
  • Get cash for Investment Property
  • Keep your payments from rising

Buy a Home

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Step 2: Apply

You can either complete a secure online application or contact a mortgage expert directly to get pre-approved. The online application is secure, and takes only 5-10 minutes to complete. Once we receive your application, a licensed Mortgage Advisor will contact you within 24 hours to go over your loan options and guide you through the process, and answer any questions that you may have.

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Step 3: Review disclosures

After your initial consultation and credit overview with your licensed Mortgage Advisor, you will receive loan disclosures and the Rate Lock Agreement. Please review the documents very carefully and notify your Mortgage Advisor about any necessary changes. It is very important to sign and return the required documents to your Mortgage Advisor in a timely manner in order to secure the mortgage rate.

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Step 4: Lock in your rate!!!

Once you review and accept terms of Rate Lock Agreement, your Mortgage Advisor will assure you of the lock confirmation. The process will be followed by underwriting, final approval and loan closing.

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Get Started

Build your rate
Why Choose Us Wide Financial

Customer Reviews

  • I just refinanced in October with a different company and it took 2 months to do and was a pain. I had to think long and hard about refinancing again. I was highly impressed with Vibhu Grover. He was very attentive. He would answer questions when I emailed him at 2am. A couple minutes later, I would have an answer. He puts his customers first. I was highly impressed and would use Vibhu Grover again. I was very pleased and have recommended him to others already!

    — Terri | St. Peters, Missouri
  • Received a great rate on a 15 year fixed with the best closing costs I could find. Closing was quick and painless. Thanks!

    — Andi | St. Charles, Missouri
  • Always responded promptly when I had questions and kept me up to date on everything that was happening throughout the purchase transaction. Vibhu was at closing and made me feel at ease. He made sure that all my questions were answered. US Wide Financial is a great company. They care about the people and believe in the business. That's hard to find these days. Thanks for everything.

    — Diana | Chesterfield, Missouri
  • I just wanted to thank you again for all your help with my refinance. It was the smoothest loan process I have ever experienced and think you and your company will do awesome if everyone handles the process like you did.

    — Patti | Kansas City, Missouri
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Get started today by applying online or call us at 1.888.360.8794 Contact Instant Rate Quote Apply